HomeMy WebLinkAboutRes 20-36 Approving health, dental and vision products, establishing a broker of recordTOWN OF WESTLAKE
RESOLUTION 20-36
A RESOLUTION BY THE TOWN COUNCIL OF THE TOWN OF WESTLAKE,
TEXAS, AUTHORZING THE TOWN MANAGER OR DESIGNEE TO ENTER INTO A
CONTRACT FOR THE TOWN'S HEALTH, VISION, AND DENTAL INSURANCE
PRODUCTS AND SERVICES FOR THE 2021 CALENDAR YEAR; AND
ESTABLISHING A BROKER OF RECORD.
WHEREAS, the Town of Westlake desires to maintain a comprehensive health and
dental insurance benefits for its employees that is competitive to surrounding cities; and,
WHEREAS, the leaders of the Town of Westlake desire to exercise exceptional levels of
stewardship with all financial resources; and,
WHEREAS, the Town Council finds that the passage of this Resolution is in the best
interest of the citizens of Westlake.
NOW, THEREFORE, BE IT RESOLVED BY THE TOWN COUNCIL OF THE TOWN
OF WESTLAKE, TEXAS:
SECTION 1: That, all matters stated in the Recitals hereinabove are found to be true
and correct and are incorporated herein by reference as if copied in their entirety.
SECTION 2: That, the Town Council of the Town of Westlake, Texas, hereby approves
the Aetna as the Town's health and vision insurance carrier for a twelve (12) month period,
beginning January 1, 2021, with an estimated annual employer cost of $457,942, attached as
Exhibit "A".
SECTION 3: That, the Town Council of the Town of Westlake, Texas, hereby approves
the renewal of MetLife as the Town's dental insurance carrier for a twelve (12) month period,
beginning January 1, 2021, with an estimated annual employer cost of $35,925, attached as
Exhibit "A".
SECTION 4: That, the Town Council of the Town of Westlake, Texas, hereby approves
the renewal of MetLife as the Town's vision insurance carrier for a twelve (12) month period,
beginning January 1, 2021, with an estimated annual employer cost of $4,133, attached as
Exhibit "A".
SECTION 5: That, the Town Council of the Town of Westlake, Texas, hereby approves
One Digital as the Town's broker of record for health, vision, and dental insurance products and
services until modified by a subsequent resolution.
Resolution 20-36
Page 1 of 2
SECTION 6: If any portion of this Resolution shall, for any reason, be declared invalid
by any court of competent jurisdiction, such invalidity shall not affect the remaining provisions
hereof and the Council hereby determines that it would have adopted this Resolution without the
invalid provision.
SECTION 7: That this resolution shall become effective from and after its date of
passage.
PASSED AND APPROVED ON THIS 30TH DAY OF NOVEMBER 2020.
ATTEST:
�X'�
Todd Wood, Town Secretary
APPROVED AS TO FORM:
i� o....) P
L. tanton Lowry, Town Attorney
Laufa L. Wheat, Mayor
Amanda DeGan, Town Manager
���
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y
PEXN5
Resolution 20-36
Page 2 of 2
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<IONEDIGITAL
The Town of Westlake
EMPLOYER PAID
DENTAL INSURANCE RENEWAL & OPTIONS
EFFECTIVE DATE: 1ANUARY 1, 2021
Resolution 20-36
Exhibit "A"
Carrier
MetLife
MetLife
MetLife*
PARTICIPATION REQUIREMENT
N/A
N/A
RATE GUARANTEE
N/A
1 year
2 years
2 years
Low Plan
High Plan
Product Type
PPO
PPO
PPO
PPO
In Network
Out of
Network
In Network
Out of
Network
In Network
Out of
Network
In Network
Out of
Network
Deductible(Ind./Family)
$50/$150
$50/$150
$50/$150
$50/$150
$50/$150
$50/$150
$SO/$150
$50/$150
Annual Benefit Maximum
$1,500
$1,500
$1,000
$1,000
$1,000
$1,000
$1,500
$1,500
Network Payment Level
Fee F R&C
Fee R&C
Fee 90th
Fee 90th
Waiting Periods
None
None
None
one
Preventive/Diagnostic Service Charges
Excluded from Annual Maximum
No
No
No
No
No
No
No
No
Posterior Composites Covered
No
No
No
No
No
No
No
No
Max Rollover Feature
No
No
No
No
No
No
No
No
I
Preventive & Diagnostic Services
100%
10oe/
100%
100%
100%
100%
100%
100%
Basic Services
805/
80%
80•/
80%
80%
80%
80%
80%
Major Services
50%
50%
50,,/
50%
0%
1 0%
50%
50%
Orthodontic Services
50%
50%
50%
N/A
N/A
N/A
50V
50%
Orthodontia Age Limit
19
19
19
19
N/A
N/A
19
19
Orthodontia Benefit Maximum
$1,500
$1,500
$1,500
$1,500
N/A
N/A
$1,500
$1,500
Oral Exams
100%
100%
100%
100%
100%
100%
100%
100%
Cleanings
100%
100%
100%
100%
100%
100%
100%
100%
Bitewing X-rays
100%
100%
100%
100%
100%
100%
100%
100%
Panoramic X-rays
100%
100%
100%
100%
100%
100%
100%
100%
Fluoride Treatments
100%
100%
100%
100%
100%
100%
100%
100%
Sealants
100%
100%
100%
100%
100%
100%
100%
100%
Space Maintainers
100%
100%
100%
100%
100%
100%
100%
100%
Fillings
80%
80%
80%
80%
80%
80%
80%
80%
Simple Extractions
80%
80%
80%
80%
80%
80%
go%
90%
Oral Surgery
80%
80%
80%
80%
80%
80%
80%
80%
Endodontits (root canals)
80%
80%
80%
80%
80%
60%
80%
80%
Periodontic (treatment of gums)
80%
80%
80%
80%
80%
80%
80%
80%
Crowns
50%
50%
50%
50%
0%
0%
50%
50%
Dentures
50%
50%
50%
50%
0%
0%
50%
50%
Bridges
50%
50%
50%
50%
0%
0%
50%
50%
Inlays, Onlays
50%
50%
50%
50%
0%
0%
50%
50%
Implants
50%
50%
50%
5 %%
0%
0%
50%
50%
RATE COMPARISON
Employee
23
$46.58
$46.58
$31.10
$47.98
Employee + Spouse
6
$102.98
$102.98
$60.93
$106.07
Employee + Child
0
$104.15
$104.15
$72.07
$107.27
Employee + Children
4
$104.15
$104.15
$72.07
$107.27
Family
11
$166.56
$166.56
$109.50
$171.56
TOTAL
44
TOTAL MONTHLY COST
$3,937.98
$3,937.98
$4,056.20
TOTAL ANNUAL COST
$47,255.76
$47,255.76
$48,674.40
DIFFERENCE FROM CURRENT
0.0%
3.0%
-If two add tonal lines are Implemented with MetLife dual option dental rates will be lower. If only the High Plan is offered with Principal, High plan rates will be lower.
0—Aila1 makes unhlased. valo —ol assessments wllhouL regard to carriercompensation programs. We are able le provide mere spedlic lnlwmadon
about our cempensallen structure aladienl'a rerynl. These rates are for comparlwn pwpous only andare based on lnlormadon prwitletl byyeur company
CM1anges in IMs InlormaUen may result In a change to lMs analYvls. The Information contained —In Is meant to summarise various berelil packages and com W ny Policy.
If any diure y arises between IMs document andlM plan decume nlsand/or companylundbook,IIK plan documents and/orwmWnY—b-I, will prevail.
Under 1. code 3.34.E of IM Stale of Virginia, we request Ihat the contents of thls RFP be comldered proprietary and muss be kept ronlidenlial.
11/24/2020
e'.jONEDIGITAL
The Town of Westlake
EPAPLOYER PAID
DENTAL INSURANCE RENEWAL & OPTIONS
EFFECTIVE DATE: 1ANUARY 1, 2021
Carrier
MetLife
PARTICIPATION REQUIREMENTN/A
RATE GUARANTEE
7..70.1n
I year
Product Type
PPO
Network
ork
Out of
Network
Deductible (Ind./Family)
$50/$150
$50/$150
$50/$150
$50/$150
Annual Benefit Maximum
$1,500
$1,500
$1,000
$1,000
Network Payment Level
Fee R&C
Fee R&C
Waiting Periods
None
None
Preventive/Diagnostic Service Charges
Excluded from Annual Maximum
No
No
No
No
Posterior Composites Covered
No
No
No
No
Max Rollover Feature
No
No
No
No
I:,: 1 :
Preventive & Diagnostic Services
100%
300a/
100%
100%
Basic Services
80%
80%
80%
80%
Major Services
50%
50%
50%
50%
Orthodontic Services
50%
50%
50%
N/A
Orthodontia Age Limit
19
19
19
19
Orthodontia Benefit Maximum
$1,500
$1,500
$1,500
$1,500
Oral Exams
100%
100%
100%
100%
Cleanings
100%
100%
100%
100%
Bitewing X-rays
100%
100%
100%
100%
Panoramic X-rays
100%
100%
100%
100%
Fluoride Treatments
100%
100%
100%
100%
Sealants
100%
100%
100%
100%
Space Maintainers
100%
100%
100%
100%
Fillings
80%
80%
80%
80%
Simple Extractions
80%
80%
80%
80%
Oral Surgery
80%
80%
80%
80%
Endodontics (root canals)
80%
80%
80%
80%
Periodontic (treatment of gums)
80%
80%
80%
80%
Crowns
50%
50%
50%
50%
Dentures
50%
50%
50%
50%
Bridges
50%
50%
50%
50%
Inlays, Onlays
505,
50%
50%
50%
Implants
50%
50%
50%
50%
RATE COMPARISON
Employee
23
1 $46.58
$46.58
Employee + Spouse
6
$102.98
$102.98
Employee + Child
0
$104.15
$104.15
Employee + Children
4
$104.15
$104.15
Family
11
$166.56
$166.56
TOTAL
44
TOTAL MONTHLY COST
$3,937.98
$3,937.98
TOTAL ANNUAL COST
$47,255.76
$47,255.76
DIFFERENCE FROM CURRENT T
0.0%
-If two addlon al IInes are Implemented with MelLlfe d-1 option dental rates will be lower. If only the High Plan is offered with Principal, High
rcGgital makes unbiased,valueb dassessmenIs ilhoulregard lerarrier compenulien programv. W cable le proviJe more specific lnlormation
about our campenullonstruclum al a client's request These ides are for comp dwn purposes only and are haled on lnlormation provided by your comyny.
Changes in this inform.lion may result In a change to this analysl, The I -, motion contalred herein Is meant to summarise various b,rcfit packages and company policy.
IIany Jiurep ar ises be tween this document and the plan documentsanyor company handbook, the plan document, and/or company lurdbook will prevail.
Under the code — . 1 of the Slate of VlrgiNa, we request that the contents of Ns PFP be comldered proprietary and must h kept conlidenllal.
11/24/2020
00'�ONEDIGITAL
HEALTH AND SE`:EFITS
Resolution 20-36
The Town of Westlake
VISION 12/12/24 RENEWAL AND OPTIONS
EFFECTIVE DATE: JANUARY 1, 2021
Exhibit "A"
MetLife Option
Recommended
It'll ll;
CARRIER
United Healthcare United Healthcare
MetLife
PRODUCT TYPE
NETWORK
VSP
VSP Choice
PARTICIPATION REQUIREMENT
N/A
N/A
96% of eligible employees
RATE GUARANTEE
N/A
1 year
2 years
EYE EXAM
Once every 12 months
Once every 12 months
Once every 12 months
LENSES
Once every 12 months
Once every 12 months
Once every 12 months
FRAMES
Once every 24 months
Once every 24 months
Once every 24 months
In Network
Out of Network
In Network
Out of Network
In Network
Out of Network
EYE EXAM
$10
Up to $40
$10
Up to $40
$10
Up to $45
LENSES
Single
$25
Up to $40
$25
Up to $40
$25
Up to $30
Bifocal
$25
Up to $60
$25
Up to $60
$25
Up to $50
Trifocal
$25
Up to $80
$25
Up to $80
$25
Up to $65
Lenticular
$25
Up to $80
$25
Up to $80
$25
Up to $100
FRAMES
$130 allowance after
copay
Up to $45
$130 allowance
aftercopay
Up to $45
$130 allowance;
$150 on featured
allowance @ Costco,
Walmart, Sam's Club
Up to $70
CONTACT LENSES
Elective
Covered contact
lenses - $0; Non-
selection contacts -
up to $105
Up to $105
Covered contact
lenses - $0; Non-
selection contacts
up to $105
Up to $105
$130 Allowance
Up to $105
Necessary
Covered in full
Up to $210
Covered in full
Up to $210
Covered in full
Up to $210
RATE COMPARISON
Employee
29
$6.43
$6.43
$6.48
Employee + Spouse
4
$13.51
$13.51
$12.99
Employee + Child
0
$15.88
$15.88
$11.00
Employee + Child(ren)
5
$15.88
$15.88
$11.00
Family
6
$23.41
$23.41
$18.14
Tota I
44
MONTHLY COSTS
1
$460.37
$460.37
$403.72
ANNUAL COSTS
$5,524.44
$5,524.44
$4,844.64
PERCENTAGE DIFFERENCE
0.00%
-12.31%
ANNUAL DOLLAR DIFFERENCE
$0.00
($679.80)
0,,D,gita1 makes unbiased, value based a ssessments without regard to carrier compensation programs. We are able to provide more specific information
about our compensa tionslructureatadienl'srequest. These rates are for comparison purpos only and are based on information provided by your company.
Changes in this information may result in a change to this analysis. The information contained herein is meant to summarize various benefit packages and company pallcy.
Ifany dl screpan arises between this document and the plan documents and/or company handbook, the plan documents and/or company handbook will prevail.
Under the code 2.24342 of the State of Virginia, we request that the contents of this RFP be considered proprietary and must be kept confidential.
11 /24/2020